Robo-advisor: Perbedaan antara revisi
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Algoritma ini dirancang khusus oleh para penasihat finansial, manager investasi, ilmuwan di bidang data, dan dirancang dalam perangkat lunak oleh programmer. Algoritma ini diselesaikan oleh perangkat lunak dan tidak memerlukan bantuan manusia untuk mempengaruhi kebijakan finansial klien. Perangkat ini memanfaatkan algoritmanya untuk secara otomatis mengalihkan, mengatur, dan mengoptimalisasikan aset klien untuk keperluan investasi jangka pendek ataupun jangka panjang.<ref name="academic.oup.com">D'Acunto, Francesco & Prabhala, N. & Rossi, Alberto G. (2019). [https://academic.oup.com/rfs/article/32/5/1983/5427774 "The Promises and Pitfalls of Robo-Advising." Review of Financial Studies ]</ref> Robo-advisor dikategorikan berdasarkan tingkat personalisasi, kebijaksanaan, keterlibatan, dan interaksi manusia.<ref name="Robo-Advising. Available at SSRN">D'Acunto, Francesco & Rossi, Alberto G. (2020). [https://papers.ssrn.com/sol3/papers.cfm?abstract_id=3545554 "Robo-Advising." Available at SSRN ]</ref>
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Robo-advisors pertama kali diluncurkan pada tahun 2008 pada saat [[Krisis finansial 2007-2012|krisis finansial]].<ref>{{cite news | url=https://www.investors.com/etfs-and-funds/etfs/fund-industry-wakens-from-slumber-to-take-on-digital-advice-upstarts/ | title=As Robo Advisors Go Viral, Where Do Traditional Money Managers Go? | first=APARNA | last=NARAYANAN | work=[[Investor's Business Daily]] | date=June 27, 2016}}</ref> Pada tahun 2010, seorang pengusaha yang berusia 30 tahun bernama Jon, meluncurkan [[Betterment (company)|Betterment]], dan popularitas robo-advisors pun semakin meningkat.<ref>{{cite news | url=http://www.barrons.com/articles/robo-advisors-take-on-wall-street-1432349473 | title=Robo Advisors Take On Wall Street | first=ALEXANDER | last=EULE | work=[[Barron's (newspaper)|Barron's]] | date=May 23, 2015}}</ref> Robo-advisor yang pertama digunakan sebagai perangkat daring antarmuka untuk mengatur dan menyeimbangkan aset klien oleh manager finansial.
In 2015, [[Hong Kong]] based 8 Securities launched one of [[Asia|Asia's]] first robo-advisors in [[Japan]],<ref>{{Cite web|url=https://fundselectorasia.com/nomura-buys-into-hk-robo-advisor|title=Nomura buys into HK robo-advisor|language=en-US|access-date=2019-08-29}}</ref> followed there in 2016 by Money Design, Co., under the brand name THEO, and WealthNavi.<ref>{{Cite web|url=https://www.japantimes.co.jp/news/2016/04/25/reference/first-time-investors-urged-turn-inexpensive-robo-advisers/#.XWdvXOj7SUk|title=First-time investors urged to turn to inexpensive 'robo-advisers'|language=en-US|access-date=2019-08-29}}</ref> In 2017, Singapore based [[StashAway]] received a capital markets services license from the [[Monetary Authority of Singapore]].<ref>{{Cite news|url=https://www.businesstimes.com.sg/companies-markets/mas-proposes-moves-to-support-growth-of-robo-advisory-firms-0|title=MAS proposes moves to support growth of robo advisory firms|last=Cua|first=Genevieve|work=The Business Times|access-date=2018-08-31|language=en}}</ref>
In May 2020, [[Webull]] received SEC approval to launch a robo-advisor.<ref>{{Cite news|author=Renato Capelj|title=Webull Leverages Crisis To Spur Innovation, Financial Wellness|work=[[MarketWatch]]|url=https://www.marketwatch.com/story/webull-leverages-crisis-to-spur-innovation-financial-wellness-2020-05-06|date=May 6, 2020}}</ref>
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